{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["steps"]},"type":"markdown"},"seo":{"title":"Third Party Verification (TPV)","llmstxt":{"title":"Glomopay developer documentation","description":"Cross-border payments APIs, organised by product. Each product section carries both the explanation of its objects and the job-shaped integration guides that set them up.","details":{"content":"How to use these docs:\n\n- Get started is the front door. It carries a routing table from\n  \"what are you building\" to the page that builds it, plus how to get\n  API keys.\n- The product sections - Payin, Payout, Multi-currency accounts,\n  Verification, Request for Information (RFI) - each hold two kinds of page.\n  Pages titled as a noun (\"Subscriptions\", \"Bank Transfer\") explain what\n  an object is. Pages titled as a job (\"Set up recurring subscriptions\",\n  \"Collect LRS remittances from India\") are complete integration flows\n  and live one level under the object they set up. Match a user's goal\n  against the job-shaped titles first.\n- Reports and Identity and Access Management are the two subjects with no\n  API counterpart. There are no endpoints for reports, users, roles or\n  invites; both pages document the merchant dashboard. A dashboard\n  procedure for something the API also does (a refund, a payout) is NOT\n  here - it stays in the product that owns it.\n- API reference is generated from OpenAPI and carries endpoint detail.\n- The OpenAPI description itself is published as a single self-contained\n  document at /openapi.yaml, and the same document as JSON at\n  /openapi.json. Every $ref is resolved into it, so one fetch is the\n  whole contract: 61 paths, 81 operations, 68 schemas - the same\n  endpoints the API reference pages render. Fetch that instead of\n  reading the 129 pages under /api-reference/.\n- Developer resources covers what every integration touches and no single\n  product owns: auth, errors, pagination, rate limits, webhooks,\n  versioning, supported countries, quotes, and the client SDKs.\n"},"sections":[{"title":"Get started","description":"The front door. The routing table from a merchant's goal to the flow that delivers it, how to obtain API keys, and the platform glossary.","includeFiles":["**/get-started/**"]},{"title":"Payin","description":"Collecting money: customers, orders, checkout, payment links, payment methods (cards, bank transfer, pay via bank), refunds, disputes, purpose codes, fee models, custom fields, subscriptions, and resident India remittance under LRS. Includes the flows that set each up - bank transfers, subscriptions, LRS remittances, and server-to-server card payments.","includeFiles":["**/payin/**"]},{"title":"Payout","description":"Sending money: the payout life cycle, queued payouts, creating and cancelling a payout, rails, beneficiaries, purpose codes, and the action required state.","includeFiles":["**/payout/**"]},{"title":"Multi-currency accounts","description":"Holding money: balances, balance conversion, adding balance, withdrawing balance, and the settlement holiday calendar - the Indian and US bank and FX holidays on which settlement to the merchant's bank account, and money movement generally, is affected.","includeFiles":["**/multi-currency-account/**"]},{"title":"Verification","description":"Proving who someone is and that an account is theirs: KYC, bank account validation, and third-party verification (TPV) with the flow that verifies a payer's bank account.","includeFiles":["**/verification/**"]},{"title":"Request for Information (RFI)","description":"Responding to a compliance request for information, per object - payment link, order, payment, payout - plus compliance reviews and RFIs raised on already-successful payments.","includeFiles":["**/request-for-information/**"]},{"title":"Reports","description":"The downloadable and scheduled reports a merchant pulls from the dashboard for reconciliation, compliance and treasury: payment, subscription, settlement breakup, balance statement and KYC reports, plus scheduling one for recurring email delivery. Dashboard only - there is no reports API.","includeFiles":["**/reports/**"]},{"title":"Identity and Access Management","description":"Administering who can use a merchant account: one set of credentials across multiple MIDs, switching between them without logging out, the Admin / Member / Sales Partner roles and what each may see and do, and inviting a new member. Dashboard only - there is no users, roles or invites API.","includeFiles":["**/access-management/**"]},{"title":"API reference","description":"Endpoint reference generated from the Glomopay OpenAPI description.","includeFiles":["**/api-reference/**"]},{"title":"Developer resources","description":"What every integration touches and no single product owns: auth, errors, pagination, rate limits, webhooks, versioning, API validations, security, supported countries, quotes, and the client SDKs - React Native, Flutter, Android and the Unified Web SDK, with per-version references and changelogs. Reports and Identity and Access Management used to be listed here and are now their own sections.","includeFiles":["**/platform/**"]}]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"third-party-verification-tpv","__idx":0},"children":["Third Party Verification (TPV)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The Banking, Financial Services, and Insurance (BFSI) sector, particularly those involved in securities, broking, and mutual funds, is increasingly susceptible to cybercrimes, asset misappropriation, identity theft, money laundering, and fraud. To mitigate these risks, it is essential that investors process funds only from registered bank accounts that have completed the Know Your Customer (KYC) process. This is where Third-Party Validation (TPV) becomes critical."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Merchant shares the registered bank during the payments to verify the customer bank account and accept the payment only if the bank details matches. Using Glomo's Third-Party Validation feature, businesses can now comply in a manner such that the customers make payments only from their registered bank accounts."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["TPV is enabled on a per-business basis. To enable TPV for your account, please contact Glomo support."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"how-tpv-works","__idx":1},"children":["How TPV Works"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Glomo supports validating the payer's/source bank account in two different ways depending on whether the flow is Pull (real-time checkout) or Push (customer sends funds externally, e.g., SWIFT transfer)."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"1-pull-payment-real-time-at-checkout","__idx":2},"children":["1. Pull Payment (Real-time at Checkout)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["In a pull payment, the payment is initiated during checkout (real-time)."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["While creating a payment link / order, the merchant can optionally specify the “expected source bank account” the money should come from (i.e., the bank account Glomo should accept the payment from)."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["What Glomo validates:"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Check"},"children":["Check"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Description"},"children":["Description"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender name"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender name must match the bank account holder name"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Account Number"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender account number must match the registered account number"]}]}]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"img","attributes":{"src":"/assets/pull-payment.ce3e55f1c2dacf283a0f6ec2e8af0e243644f3a11b588b022bea1bf0fd2255d8.6b5c92aa.png","alt":"Pull Payment preview"},"children":[]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"2-push-payment","__idx":3},"children":["2. Push Payment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["In a push payment, the customer sends funds independently (example: SWIFT transfer) to the bank account provided by the merchant/Glomo."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Since Glomo only learns the sender details after the payment is received, validation happens post-facto."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If no expected/source bank account is associated with the payment link/order, Glomo validates the sender's bank account details against the customer name."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"tpv-validation-results","__idx":4},"children":["TPV Validation Results"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Glomo supports validating the payer’s/source bank account in two different ways depending on whether the flow is Pull (real-time checkout) or Push (customer sends funds externally, e.g., SWIFT transfer)."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"successful-validation","__idx":5},"children":["Successful validation"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If TPV returns a strong match, the payment continues through the normal payment lifecycle (no additional action needed)."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"failed-validation","__idx":6},"children":["Failed validation"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If TPV returns a mismatch, weak match, or is unable to verify, the payment is moved to Action Required. The merchant can then:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Request updated sender details (name / account number) from the customer, or"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Ask the customer to retry from the correct bank account, or"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Trigger manual review (if enabled), or"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Refund / cancel (based on corridor + merchant policy)"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Error"},"children":["Error"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"What it usually means"},"children":["What it usually means"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender details do not match with the associated details"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender info provided does not align with the customer profile/expected payer details"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender name does not match with bank account name"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Bank account holder name differs materially from expected customer name"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Sender account number does not match with bank account number"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Account number used for payment differs from the expected/linked account"]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"for-dashboard-users-payment-link-flow","__idx":7},"children":["For Dashboard Users (Payment Link Flow)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When creating a payment link through the Glomo dashboard:"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"img","attributes":{"src":"/assets/tpv-dashboard.20b63969f993d33bb164ccbd267d892f39c6e10accb8cd2ac33eb17482f54e7f.6b5c92aa.png","alt":"Payment link dashboard preview"},"children":[]}]},{"$$mdtype":"Tag","name":"Steps","attributes":{"steps":["**Navigate** to Payment Links","Enter **customer details**","Enter **Payment amount** and details","**Specify** bank account information","**Review the information** and submit to generate the payment link"]},"children":[]}]},"headings":[{"value":"Third Party Verification (TPV)","id":"third-party-verification-tpv","depth":1},{"value":"How TPV Works","id":"how-tpv-works","depth":1},{"value":"1. 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